Life is about finding balance. As you grow and adapt, you learn to weigh what you need against what you can afford. Our Classic insurance solution provides just that—comprehensive coverage to protect the life you’re building, paired with affordable premiums and valuable extras.
We keep things simple with carefully chosen covers and limits designed to be customized to your specific needs, all while maintaining Santam's trusted quality. Prepare for the unexpected by protecting what matters most, from your property and vehicles to caravans and watercraft.
Balance comprehensive cover with pricing that works for you
Get flexible cover for your home, including personal possessions and vehicle
Enjoy optional extras at affordable premiums
Simplified covers and limits
Personalised premiums
Get cover for your vehicle that travels the full journey with you. Our Classic Offering provides cover ranging from third-party to comprehensive and will cover cars, light delivery vehicles, motorcycles, trailers and caravans.
Cover for events such as accidents, theft, and third-party liability cover
Emergency repairs, cost and alternative accommodation
Tow-in costs after mechanical breakdown and recovery costs
Trauma treatment
4x4 and off-road cover
Luxury vehicles
Classic vehicles
SmartPark™
Accidental damage to tyres and rims
Tools, spare parts and travel accessories
A credit shortfall (with/without residual)
Cover more than your house and contents, protect your home and everything you and your family have built.
Cover for your property, buildings and contents for example in the event of fire and burglary
Accidental breakage of mirrors and certain glass inside your house
Rental amount for alternative accommodation should your house be damaged after an insured event and not suitable to live in
Fire-extinguishing charges incurred as a result of an insured event to prevent or reduce damage to your property
Damage to your property caused by wild monkeys or baboons
Accidental spoiling of the contents of your refrigerators or freezers inside your private residence
Medical expenses of guests and domestic employees
Cost of trauma treatment after theft, burglary, hijacking or fire
The cost of employing security guards after an insured event
The necessary costs of removing debris or your damaged contents after loss or damage caused by an insured event
Washing on the line against any insured event
Cover for power surges
Alternative accommodation
Emergency expenses and personal effects of domestic employees and guests
A temporary increase of the contents’ insured amount during the festive seas
Power surge
Accidental damage, mechanical or electrical, to items in your house
Limited bed and breakfast accommodation
Restoration of computer data cover
Balance budget with smarts. Classic offers practical, optional cover at an affordable extra premium.
All Risk insurance
Watercraft insurance
Answer a few short questions and we’ll give you your obligation-free quote.
Who should take out the Classic solution?
We understand that as your life changes, so do your insurance needs. We designed the Classic insurance solution by balancing comprehensive cover and pricing to safeguard you when the unexpected happens and protect those items you value most, from property and cars to caravans and watercraft. It comes with simplified policy wording, easy-to-understand covers and limits, personalised premiums and optional covers that we can tailor to your individual needs.
Is my household goods covered?
Santam offers extensive home contents cover to ensure that your household goods are sufficiently protected against any insurable adverse event. You are welcome to visit the Santam website for more information on Santam's range of insurance benefits and services.
What types of vehicles are covered?
Cover for cars, LDVs, motorcycles, trailers and caravans, ranging from third-party to comprehensive cover.
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